I'm 33 have two SP30s, 8yrs NCD, no claims. Mrs 32, clean license, no claims. Everyone was quoting >£1000. In the end I cut out all the "extras" and got a quote for £707 from Norwich Union. I went for a high excess (£1200), and no claims protection. You don't need a tracker. Even though I have a tracker I've decided not to pay the annual tracker fee (£99) as it doesn't reduce the insurance premium by more than a few quid. What a con! Lucky I didnt buy the car new! Having spent several hours on the phone I've learnt a few things: No-claims protection: Did you know that no-claims protection can add 10-20% to your premium? Even with no claims protection, if you make a claim your premium goes up big time? If you don't bother with claims protection and make a claim you only loose 2yrs no claims, which in my case only reduces the discount from 70 to 62% ! What a con! Excess: The excess you put on your policy makes a HUGE difference to the premium! We are talking 30-40%! Lets face it, when are you likely to make a claim? When you are in a smash up - right? That means at least £1000+ in costs. So set the excess at a realistic level. Be warned, putting in a claim for a few hundred quid is going to wreck you policy for years to come.